Thinking of buying your dream car? Savvy offers a complete range of car loan options to suit all needs.

Compare and save with Savvy. Savvy has access to all major banks and lenders in the country.

We hold accreditation with all the major lenders in the country and have experienced consultants to tackle any requirement.

Why Choose Savvy?

New, Used, Private or Dealer Sales – the Choice is Yours.

Whether you’re buying from a dealer or going private, buying new or used, Savvy Finance gives YOU the choice.

Compare and Save on Car Loan

Savvy Finance has access to Australia’s top financiers and lenders so we find you the best car loan deal.

Professional Advice

Savvy’s loan consultants have years of experience in finding the best deal for our clients. We work hard so you walk away satisfied.

No Obligation Consultation

Talk to us with no obligation. Savvy is here to help. Apply now FREE! We can even call you!

100% Finance Available

Need 100% finance? Savvy’s got you covered. We can also finance your insurance so you have peace of mind.

Car Loan Options

Australia’s leading car finance broker. Savvy offers competitive and low rate personal car finance options. Enquire today for a no obligation free quote. Quick approvals and lowest interest rates.

At Savvy, our qualified consultants are ready to discuss the option of a Chattel Mortgage or business car finance with you and help you to make an informed decision. You will get expert, personalised service free of charge.

Hire Purchase is an agreement in which, a lender will agree to purchase the car on behalf of the customer and hire it out for an agreed period of time with a fixed monthly payment. The interest rate remains the same for the period of the agreement.

A Car lease is a business product which allows you to have the use of a car or commercial vehicle while the lender retains ownership of the vehicle for the term of the lease. Talk to Savvy to find out best car lease offers suitable to your current situation.

With an Operating lease, the customer enjoys the benefits of using a vehicle without the responsibility of ownership. The monthly repayments are fixed and 100% tax deductible. Find out how Savvy can help get you the best operating lease quote.

Do you have a bad credit rating and need a second chance? We can help you to own a new or second hand car. We pride ourselves on delivering results, getting you approved and at the same time helping you fix up your credit rating.

Compare Car Loans

LenderProduct NameAdvertised RateComparison Rate
SavvyNew Car Loan4.49%
Bank of AustraliaUsed Car Loan6.45%
ANZOnline Secured Car Loan7.85%
CUAFixed Rate Car Loan7.99%
BankSASecured Fixed Personal Loan8.49%
St GeorgeSecured Fixed Personal Loan8.49%
CBASecured Car Loan8.49%
NABVariable Rate Personal Loan14.19%

Your Car Loan Questions Answered

1. What is a car loan?

A car loan is a personal financial product in which a lender provides a private individual with the funds necessary to purchase a car or similar vehicle.

2. What is a secured car loan?

A secured car loan is a financial product that ties the amount of the loan to the value of the car. The car is used as collateral. In return for the security, your car loan interest rate is generally lower.

3. What is a comparison rate?

When looking at interest rates for car loans, an interest rate shows you the total interest you will pay on the principal. A comparison rate includes most fees and charges expressed as a total interest rate. You can compare similar loans using a comparison rate table.

4. How long can you go on a car loan?

The average car loan term is 5 years. People can opt for shorter or longer terms depending on their needs and circumstances. Some car loans can last for 12 months all the way up to 7 years.

5. How can I apply for a car loan?

You can start your application by getting a free, no-obligation quote. One of our friendly financial professionals will contact you and guide you through the process.

6. How much can I borrow?

You can borrow 100% of your car’s purchase value and include extras such as insurance and extended warranties.

7. How long does the process take?

We can approve finance within 24 hours. If you require immediate approval, our consultants are standing by.

8. What does it mean when it says 0% finance?

Often, dealer financiers offer 0% finance or “zero finance” as part of a sale or runout deal on earlier model cars. Zero percent finance means you are not paying interest on the loan, however you may not be able to negotiate a lower price, pay out the loan early or make extra repayments without penalty.

9. Can I still get a car loan if I am self-employed?

You can borrow 100% of your car’s purchase value and include extras such as insurance and extended warranties.

10. Can I get car loan if I am on a 457 visa?

YES! Savvy Finance specialises in finding car loan deals for new arrivals and temporary residents. We can make sure you can get a car loan while on a 457 Visa.

11. Can I make additional repayments to reduce my loan?

YES! We can broker deals that allow for additional repayments. Ask your friendly financial professional for more information.

12. Can I pay out my loan early?

YES! Many of our loans give you the options to pay your loan off before the term is up. Speak to one of our financial professionals to tailor a solution for you.

Some of Our Car Loan Lenders

Car Loan Lenders in Australia

Savvy Car Loan Articles & Guides

Should I use my home equity to buy a car?

If you have built up equity in your home loan, you may already know you can use that equity to finance other major assets such as cars and leisure vehicles. Should you tap into that equity to buy a car? This post weighs up all the factors such as convenience vs. interest rates and loan terms vs. fees. Decide for yourself and find out more if buying a car with home equity is a wise choice now and in the long-term. Read more.

Top 5 tips to get approved for your first car loan

If you just have your first set of “Ps” and ready to hit the road, chances are you’ll want to buy your own car so you’re free to roam. People who have no credit history often find it difficult to get approvals for car loans. If you’re a full-time student or apprentice, lenders are even more reluctant to give you the big tick. Get information so you can feel confident about finding great deals on car finance. This blog post details all the inside tips into improving your chances of being approved the first time. Read more.

What to budget when buying a car

There’s much more to budget for when buying a car than meets the eye. Handing over a whole lot of money isn’t the end of your purchase – sometimes it’s just the beginning. Learn about all the different up-front costs involved with buying a car so you can make sure you aren’t left holding the bag in the short term. In the post, you’ll also find out about all the long-term costs associated with car ownership so you factor that into your calculations. You’ll be surprised with what you may have missed. Read more.

Car Loans for the Self-Employed

Working for yourself is sometimes a labour of love – especially when lenders reject your applications for car finance left, right, and centre! If you’re self-employed, a micro-business or entrepreneur, it’s understandable to feel nervous about applying for car finance, especially if a rejection hangs at the end of it. If you are self-employed, there are many options out there so you can get behind a set of wheels. Read up about all the loan products designed for self-employed car buyers. Also find out how can save money on their finance and with tax breaks if you’re buying a car for business purposes. Read more.